Described herein are various apparatuses, methods, and computer program products for providing a mortgage environment that determines a flat fee for a mortgage that includes all lender and third-party fees associated with the mortgage. By providing a mortgage with a flat fee, the process of a borrower obtaining a mortgage from a lender can be easier because the borrower's worries about multiple fees, charges, and other costs can be combined into a single, flat fee. Some embodiments of the invention determine the flat fee based at least partially on analysis of various loan characteristics.